HIMI

Hurricane Insurance

What is Hurricane Insurance?

Coverage for damage caused by a storm or storm system defined as a “Hurricane.”

In Hawai‘i, we know first-hand the impact a hurricane can have on a business and proper insurance coverage can mean the difference between recovery and closing the doors for good. Hurricane coverage may be purchased through an enhancement to your property policy or as a standalone Hurricane policy.

*Video provided by ICAT, Hurricane specialists.

Definition of Hurricane

“Hurricane” is typically defined as a storm or storm system that has been declared by the Central Pacific Hurricane Center of the National Weather Service to be a “hurricane,” which includes the time period in each island in the State of Hawai‘i defined as follows: 

Beginning at the time a “hurricane” watch or warning is issued for a particular island by the Central Pacific Center of the National Weather Service 
Continuing for the duration that “hurricane” conditions exist in the island
Existing 72 hours following the cancellation of the watch or warning for the island by the Central Pacific Center of the National Weather Service

*Definition of a Hurricane may vary per carrier and policy.

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"[My claim adjuster] is such a wonderful person to work with, and so helpful!"

HEMIC Claimant, May 2023

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